I’m a SPG guy and have a CSR currently, worth it to get the AMEX SPG card?

like
Posting as :
works at
You are currently posting as works at

^solid consulting analysis, thank you. I have built up some SPG points, I guess using CSR gives more flexibility to book travel(air/car/even activities), of course you can travel SPG points to different programs as well but might not be flexible

like

So if you pay for hotels, I think it's worth to get amex SPG. If you redeem points, then unless you care about status (you get a leg up with the SPG Amex and if you have amex plat, automatic SPG and Hilton gold status), just stick with CSR.

You get 2.7-2.9 ccp return on spend for SPG, while it's 5.4-5.8 ccp if you are paying for spg hotel.

CSR is 4.5 ccp in my view assuming you use your points for travel exclusively (and your using points you got from 3x category)

Overall, the break even is $95/(difference of SPG and CSR) = $95/(5.4-4.5) = $95/0.09 = $1055.55.

So if you spend at least this much on SPG hotels with SPG Amex a year, better to get SPG Amex.

There are many view points of course and will reply as more people/OP replies

I made a mistake OP, $95/0.0009 is the real calculation, because it's essentially 9500 cents/0.9 cents which is a whopping 105k+ in spend lolol

Flexibility wise, CSR is the way to go. I have the chase quadfecta (Chase freedom, freedom unlimited, reserve and Ink) so chase UR ecosystem is my favorite :)

^^agreed with analysis above. I would add that as a churner getting the spg card for a year while annual fee is waived to replenish your spg points balance isn't the worst.

Related Posts

Hi guys. I have a query with regards to the Income tax proof submission.

So I have claimed exemptions on the following-
1) HRA
2) 5 year term deposit(fixed deposit) under Section 80C
3) Interest on education loan under Section 80E

I have also provided previous employment details.

Guys I didn't know that we have to submit declaration forms as well. Can you please tell me which are the declaration forms that I would need to fill and submit??

Thanks in advance :)

like

Anyone have a lawyer or personal finance advisor they trust and recommend in NYC? Post MBA and new to the city; I need to buckle down and finally get a will and outside $ advice on taxes.

First time participating in ESPP this last period. I received a heads up email that Morgan Stanley will get in touch to open a broker account, but not heard from MS themselves. Anyone in a similar situation?

like

I just left my pre-seed startup that was running out of cash (we made $100,000 in revenue this year, and sunk $1m in costs). I was making $40,000 as a developer (plus 20k stock options at $1/share per year) and they refused to pay me any more money. I have 17,000 vested stock options, total number of shares at the time of my contract was 4million. I’m a bit confused about share dilution and if it’s worth it for me to buy some of my stock options… thanks in adv!

like

I was offered a position at fidelity. Now when I trade on behalf of a client, will I get commissions for that trade?

like

Been working at my company as a new grad for almost a year, but don’t see myself in the team that I am in (working with Salesforce) for long term. Interested in frontend dev and have been learning on my own. Manager says chase doesnt have much React opportunities. Is it possible to make a switch when I barely have experience? Are there companies that will hire by seeing that I am willing to learn and am interested in frontend even tho I don’t have much experience with it yet?

like

Trying to transfer to Traditional model in September and recently got a trading violation. Would my transfer get denied?

What is the average time required to get canadain visa after biometric done?

like

Thoughts on Dechert FRE (real estate)?

Bonvoy-ers: anyone else get assigned a new ambassador today?

like

Anyone from the tax group here? A friend is looking for recommendations on someone familiar with international tax laws (US, Singapore). Any suggestions?

like

My monthly salary after employees pf deduction and professional tax of 200 is 96,500.
How much income tax will be deducted on this amount without any investments and all.

like

Currently on my h1b visa which is expiring in 2021, but then it can be renewed/extended for another 3 years. When does company like Big 4 start the green card process?

like

I'm age 40. Does the info below mean if I stop working now and collect the benefits at age 67, I'll get $3403 monthly social security benefits?

Post Photo
like

Hello fishes, can we buy land/plot to save long term capital gain tax?

Any tax accountants/attorneys in here? What would happen to the 401k of a foreign worker if they cannot longer maintain an immigration status and have to go back home? What about a ROTH 401k? Assuming they made after-tax contributions, would they still be able to take tax-free distributions if they are non-resident aliens for tax purposes?

like

Question on UK visa-
My partner will be traveling often to London, once a month for an year starting September. He is getting his visa through work (10 years, multiple entry, 6 months max stay, cost some $1000).

I have applied for standard tourist visa in the past and they are usually short term. It could be max 6 months, but they see your itinerary and allocate you few months around the itinerary

Is there a way to get 6 months multiple entry visa, if I were to join him once in a while.

like

Hi I got to kmow about a visa where we can sponsor ourselves, Is there anyone who has done the same and has relocated? Or is anyone working with those startups who can hire and then the same can apply for sponsorship?

likeuplifting

More Posts

Is the a black market for rewards points? I want to get rid of my delta points for either American or Marriott points

like

Will Accenture match the package of existing best performance people with laterals doing less work with same yoe in the same team if they are working

like

So I was offered a role in Strategy Consulting in after 2 years in Risk Consulting however, after 2 years I’ve only worked on Internal audit engagements few ad hocs such as updating risk register and the delegation of authority matrix.

Honestly speaking I am doing good and I am up for promotion in October however I am not fully enjoying my time but I fear that the move would not be a good and I can’t hit the ground running which scares me.

Any advice and past experiences in such career shit?

like

Hey fellow SPs! How are we doing this week? Sending some good vibes your way! We got this!

like

Hey 👋 is it advisable to invest in real estate / buying my first home with all the looming uncertainty with brexit ?

What are some nomad options in NY if you don’t want to sign a lease?

like

Hello All,
Need referal for my friend for Sales force admin role.
He have done his certification. Currently working in TCS and serving notice period (approx 45 days remaining)
He do not have a offer yet.
Can anyone please refer my friend.
Thanks in Advance.

like

Anyone else think big end of day drop? Scary weekend to hold long through

like

If anyone is looking for a referral as an experienced hire to the PwC DAT (Digital Assurance & Transparency - formerly Risk Assurance) practice let me know and would be happy to refer you. We are actively looking to hire.

like

Is it normal to pay for monthly OB visits while pregnant? I have BCBS and thought they would be covered 100%?

like

2nd year. What’s the typical bonus schedule?

like

Isael all euro airports a nightmare right now or is it certain ones? Is there. Way to figure out which ones to avoid when planning a trip?

like

Does anyone have leads for a recent MPH Epidemiology grad with 0-2 YOE to get into consultant roles in Healthcare/life sciences?

Second question: what sort of work experiences are companies like flatiron and komodo health looking for to work in RWE/heor? I'm not sure how to leverage Epidemiology to get into that space :(

Hi can anyone suggest good pgs for men near deloitte Hyderabad.

like

I'm so tired of people misspelling my name in Email. MF it's in the email!!!

Post Photo
likefunnyhelpful

Anyone at Microsoft? My dream is to work for Xbox. Would love for some guidance. 🖤

like

Happy to refer 🐠 to Accenture! DM if you are interested.

like

What are fund accountant at admin currently making (i.e CITCO, MORGAN STANLEY,SS&C, NT? )

Please provide the below information:
Company
Position
Years at company
Salary
Bonus

like

Thoughts on Jumia stock?

like

Is verizon service based or product based company?

Additional Posts in All things points

Best cards in Canada for points?

like

Lyft driver delayed picking me up 30 min, resulting in me canceling my ride and asking hotel to call me a “yellow taxi” to get to the airport because it was 5am and all ubers/lyfts were 15 min. Specifically said yellow. Hotel calls me a private lux SUV and the driver got out of the car to handshake the man who called and said hi (honestly money couldve been passed). I then get hit with a $180 ride. Marriott website says taxi should be $65. Should I complain or let it go?

like

Is SYW UBER integration dead?

like

What’s your highest value point redemption? State the redemption and rough $/point.

like

Planning on staying in Japan in November for a week! Any recommendations on where to stay / things to do? Also, got some SPG points (<100k) I want to use!

like

Worth it to use 300K bonvoy points for over a week in Maui? I keep hoarding these things but trying to plan a Hawaii trip and think now is the time to burn them

like

People at EY not use the corporate card? The expense system is horrible. But might not be worth using my Marriott card...

like

Does anyone ever redeem Marriott points for gift cards? Is it worth it?

like

I booked basic economy even though I’m platinum on delta using rewards since it was crazy cheap. Does upgrading to regular economy cost a lot? Will there be a cheapest time to move up?

like

Missing nights from the Marriott-SPG just reappeared in my account! Anyone else ?

like

Looking to apply for venture x before the offer goes away today. Anyone out there willing to share some of their referral bonus? 50 bucks?

like

Does CSR earn 3x points at bars on drinks?

like

SYW is either dead or caps out at $80

likehelpful

Flight cancelled. Not weather related. How many points?

like

Where should I travel for Christmas? Looking for adventure and going to travel with other couples. Hoping to use points (delta/ spg)

like

If I book a plane ticket for my family member (not a trip I’m going on) through Delta will they get my status perk (priority seats and boarding zone)?

like

Anyone know if you can cancel your Chase Sapphire Preferred after 3 years and get Chase Reserve and still be eligible for the signup bonus points?

like

What’s the best way to spend Amex points?

like

Has anyone tried to sell miles or points through one a site. I have a family member looking to do it and I had never looked into. Any experiences? Pros cons

like

Hotel recommendations in Sydney and Melbourne?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal